Better Flood Insurance

I recently spent big bucks buying a condo and found out shortly thereafter that FEMA just increased my property valuation. Consequently, the mortgage company wanted me to pay for the difference in flood protection between what my HOA covered and the new amount. Flood policies are not cheap depending on where you own the property. I was overwhelmed with a wide range of high premium prices and the cost differences between Federal and Private insurance. Yes there is private flood insurance now. All I wanted was to talk to someone I could trust, who had my best interests at heart. Well, I found that person at Better Flood, AKA the Flood Nerds. I googled flood insurance and the company came up with a comprehensive web site asking a lot of questions. Low and behold, Robert, the owner, got back to me right away. His initial quote was right in the ballpark of what I was hoping for. I was also working with other agents and it quickly became apparent that the Flood Nerds knew exactly what they were talking about. Robert dug deep into the complex world of condo insurance and provided the coverage that protected my property. I am not too familiar with condo rules and regulations but they did the investigative work, with me by their side, to determine that I was property covered. I can't say enough about them and would highly recommend the company. I found that other insurance agents undertake flood as a sideline and provided me great quotes without the proper coverage. I felt uneasy listening to them. In the end I spent more money on the policy than the initial quote but it wasn't that much more. Robert and his team are truly the Flood Nerds. They called me back quickly, were professional, understood the complexities of flood insurance and were very patient and friendly. I gave them 5 stars all around. I sure you will too.

Due to no fault of Better Flood we were on a very tight time schedule. Caleb was able to quote and issue a policy within a few hours, making sure we hit our deadline for closing. He was working around connection issues, bad signal and an all around crazy day . I am very very grateful for his patience, hard work and flexibility. I have no experience with claims with this carrier so I cannot comment on value and quality. I hope I never will.

I was skeptical about Better Flood Insurance at first because they seem to be so much cheaper than everyone else, but their customer service is so fast & nice. They helped me with all my issues & made things very easy. There were only a couple of things I didn't like. 1- They take credit cards, but there is a fee, so we had to pay by check. 2 - It's hard to get anyone to talk on the phone (which isn't a deal breaker, but sometimes I just want to talk about things over the phone rather than email. Other than that they were awesome! Caleb is great & he responded to all my emails SO quickly.

I worked with Caleb and he was so knowledgeable and helpful not be mention his responsiveness. He was easy to correspond with and quick to answer any questions I had. The mortgage co. I used was so difficult but Caleb worked with them and quickly gave them all they needed to approve the loan. I couldn't be more satisfied with his service. Thank you so much Caleb, you are wonderful.

As a lender, I work with a wide range of various insurance agents. My experience with BetterFlood was outstanding. Beyond the general customer service which was great, we were fortunate to have the opportunity to work with Robert Murphy. Robert truly went above and beyond to ensure our borrower received the absolute best premium possible, our borrower was thrilled and Robert saved him literally thousands of dollars out of pocket. I hope BF realizes the gem they have in Robert! I have shared BetterFlood with co-workers and will continue to recommend BetterFlood and Robert to our clients moving forward. Thank you so much!

Caleb Montiel was very professional and knowledgeable and such a big help in obtaining flood insurance for me. I really appreciate everything he has done for me. The insurance was a good value as well and saved me about $400.00 per year. I will definitely recommend Flood Nerds to all my friends. Thank you.

Quick service, very friendly interactions, and they were great at helping us get a good rate.

Professional, responsive and saved me tens thousands of dollars over the life of the loan. I only wish I would have called sooner.

Wow - just wow! We could not be more impressed with the service we received from the folks at Better Flood Insurance. As part of a mortgage refinance, the lender required we obtain flood insurance. Now, we’ve lived in this house for 15 years, and been through multiple financing/re-financing experiences, and this was the first time flood insurance was required (errant FEMA map in our case, but lenders can apparently require flood insurance if any portion of your property is in a designated flood zone). So we knew absolutely nothing about the process. Being long-time USAA members, we contacted them to pursue NFIP insurance. As always, USAA took terrific care of us - but the policy quote took a bit of time to put together and came back much more expensive than we had hoped. Both USAA as well as our lender pointed out the potential benefits of a private flood insurance policy. A little research pointed us in the direction of Better Flood Insurance Agency. Again, knowing nothing about the flood insurance market, I was more than a little leery about what I was getting into. But the Better Flood Insurance website sure made them seem accessible - and boy did we feel like we could benefit from a Flood Nerd or two! I had a very reassuring chat with Caleb Montiel, and definitely came away confident that Better Flood Insurance was going to be able to help us explore our private flood insurance options. Soon after putting in our request for a quote, the founder of the company (Robert) reached out to us even though he was apparently on vacation - remarkable customer attention all around!! By the next day we had a quote on a policy that was actually better than the NFIP policy, and at about 1/10th the cost! (And a bonus cool factor of it being with Lloyds of London!!) Keep in mind that timing was tight for us due to the way things had worked out with the NFIP policy in conjunction with our refinancing timelines, so finalizing everything was really important for us. Caleb had everything wrapped up for us by the following day - essentially 48 hours start-to-finish… For a better & cheaper policy… Just awesome work! We could not be more pleased with the support we got from Caleb, Robert, and the whole team at Better Flood Insurance Agency. If you ever find yourself in the market for flood insurance, we unreservedly recommend you track down your own personal Flood Nerd from Better Flood Insurance. We are confident you’ll be glad you did!!

Robert is top shelf, and so is Caleb....I am quite fortunate to have these two professionals on my side, especially when the world seems to filled with mediocre insurance agents who have know thirst for knowledge and possess a deplorable lack of curiosity....these two were courteous, and possessed a sense of humor, which we all need more of these days..... very competitive quote, also...I am a retired Shakespeare professor...